Health insurance after a layoff in Indiana
When you lose job-based coverage in Indiana, you have a 60-day window to enroll through the Marketplace, plus the option to keep your old plan through COBRA (usually at full price). Indiana uses the federal HealthCare.gov marketplace, at www.healthcare.gov. If your income dropped, you may also qualify for Healthy Indiana Plan (HIP).
Indiana coverage, at a glance
Marketplace
HealthCare.gov (federal)
Enroll at
www.healthcare.gov
Special enrollment
60 days from losing job coverage
Medicaid
Healthy Indiana Plan (HIP), expanded (to ~138% FPL)
2026 update: the enhanced pandemic-era Marketplace subsidies expired December 31, 2025. Subsidies still exist but are smaller, and the income cutoff is back, so price your real numbers at www.healthcare.gov rather than assuming. If your income dropped a lot, a subsidized Marketplace plan can still beat COBRA.
Both clocks run about 60 days: COBRA gives you 60 days to elect (retroactive to when your plan ended), and the Marketplace gives you a 60-day Special Enrollment window. Don't let either run out.
This is general information, not insurance or financial advice. Confirm plans, prices, and eligibility at www.healthcare.gov before you rely on them.
Indiana health coverage FAQ
Where do I buy health insurance in Indiana after a layoff?
Indiana uses the federal HealthCare.gov marketplace. Enroll at www.healthcare.gov. Losing job-based coverage opens a 60-day Special Enrollment window, so you don't have to wait for open enrollment. You can also keep your old plan through COBRA, usually at full price.
Do I qualify for Medicaid in Indiana if I lost my job?
Possibly. Indiana expanded Medicaid (Healthy Indiana Plan (HIP)), so adults can qualify based on current income (generally up to 138% of the federal poverty level). A job loss can make you newly eligible; you can apply any time, not just during open enrollment.
How long do I have to get a Marketplace plan in Indiana?
A 60-day Special Enrollment Period that starts when you lose job-based coverage. Subsidies are based on what you expect to earn this year, not last year, so enter your expected income at www.healthcare.gov to see your real cost. Note: 2026 subsidy rules changed (see below).
Keep going
COBRA vs. the Marketplace, compared
The two 60-day windows, the real costs, and the 2026 subsidy change.
File for unemployment in Indiana
The official Indiana portal, the waiting week, and what to have ready.
Health coverage in another state
Where to enroll and the Medicaid rules for every other state.
Reviewed June 2026. Marketplaces, subsidies, and Medicaid rules change; confirm current details at the officialIndiana site (www.healthcare.gov) or healthcare.gov before relying on them.